Who Has the Cheapest Homeowners Insurance Quotes in Texas?

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The United States' 2nd most populous state and its 3rd most expensive for homeowners insurance, Texas has a lot of things going for it these days but low home insurance prices are not one of them! The team of analysts here at ValuePenguin recently took a closer look at homeowners insurance rates in TX across almost 300 of the state's cities. And while the state average was $1,639, what we also found was a large disparity between what homeowners pay depending on which part of Texas you call home. Find homeowners insurance using our quote tool above, or keep reading below to see where your town stacks up:

Cheapest Homeowners Insurance Companies in Texas

Our team looked at annual homeowners insurance rates across 29 underwriters in the state of Texas for a sample 10-year old house that was worth $150,000 with a brick veneer. We then averaged the rates across 275 cities and towns by parent company, and then ranked them on price to see which were the best homeowners insurance companies in Texas for cheap rates. We found that Mercury, Allied, The Hartford, AIG, and Allstate had the five best rates. Here are the average annual premiums for the benchmark house for the companies with the eight lowest rates.

For the full list of homeowners insurance companies (grouped by parent or marketing entity), please refer to our table below.

Rank

Company

Average Annual Rates

1

Mercury

$1,109

2

Allied

1,172

3

The Hartford

1,173

4

AIG

1,202

5

Allstate

1,384

6

Safeco

1,398

7

USAA

1,408

8

Nationwide

1,483

9

Texas Windstorm Insurance Association

1,614

10

AAA

1,617

11

Texas FAIR Plan

1,643

12

Travelers

1,758

13

MetLife

1,807

14

Farmers

1,826

15

American Strategic Insurance

1,836

16

Amica

1,851

17

Liberty Mutual

1,863

18

Wright Titus Agency

1,885

19

Foremost

1,969

20

Kemper

1,999

21

Chubb

2,042

22

Texas Farm Bureau

2,101

23

State Farm

2,349

24

Fireman's Fund

2,469

25

Encompass

2,476

Best Homeowners Insurance Rates in Texas: by City

The cities with the cheapest home insurance in Texas are scattered throughout the state but tend to be far away from the Gulf of Mexico (hurricanes and tropical storms) as well as the northern reaches of the state where you start to see more tornado activity.

El Paso, TX

Recently ranked as the safest large city to raise a family, El Paso sits on the US/Mexico border across from Juarez and only minutes from the New Mexico state line. In addition to being the safest big city in the US, El Paso can now also claim that they have the cheapest home insurance rates in the state of Texas. At $824 per year, residents of El Paso pay 50% less than the state average!

Round Rock, TX

Located 20 miles north of Austin and voted as one of the Top 10 Best Cities for Families in 2010 by Family Circle Magazine, Round Rock is a growing city whose residents support, amongst other things, Dell's international headquarters. In addition to being a great place to raise a young family, Round Rock's homeowners insurance rates are incredibly affordable. The second lowest in TX, those who live in "The Sports Capital of Texas" spend $919 on average each year protecting their home.

San Marcos, TX

Named the fastest growing city in 2013 and 2014 by the US Census Bureau, San Marcos lies 30 miles to the south of Austin and 50 miles northeast of San Antonio. If you're visiting the area you'll find plenty to keep you busy as San Marcos boasts numerous outdoor activities, tons of shopping, rich cultural heritage, and a happening night life. When it comes to homeownership and associated costs, San Marcos is also quite favorable. Insurance rates average $963 per year or 41% cheaper than the average TX town.

Other Cheap Cities for Homeowners Insurance

#5 - College Station - $1,018

#7 - Killeen - $1,032

#8 - Austin- $1,036

#16 - Laredo - $1,117

#22 - San Antonio - $1,152

Most Expensive Homeowners Insurance in Texas

If you're looking for the priciest home insurance rates anywhere in Texas, then look no further than the coastal cities dotting east and southeast Texas. Residents in the 3 most expensive cities (which we've listed below) pay $2,488 each year to protect their homes, or 52% more than the state average.

Needville, TX

"The Home of Friendly People" as its known around town, Needville is the smallest city inside of our top and bottom 3 with slightly less than 3,000 residents. But regardless of size, there's no hiding the fact that Needville, TX has the highest homeowners insurance rates in The Lone Star State. With rates averaging $2,569 per year, those looking to insure their house in Needville are paying 57% more than average Texas citizen.

Corpus Christi, TX

The 8th largest city in Texas, Corpus Christi is a port city that has earned the nickname "Sparkling City by the Sea" for its favorable year-round weather and scenic setting on the Gulf of Mexico. However, its position on the water means that it's incredibly susceptible to high winds and flooding from any large tropical storms or hurricanes that may blow in off the ocean. Because of this, Corpus Christi has the 2nd highest homeowners insurance costs in the entire state. Premiums are slightly less than Needville at $2,509 per year.

Galveston, TX

Fifty miles southeast of downtown Houston, Galveston is a port city and home base to four Carnival Cruise line ship (Conquest, Ecstasy, Magic, and Triumph) in addition to Royal Caribbean's 'Mariner of the Seas'. Like Corpus Christi, Galveston has no line of defense against big storm rolling in off the Gulf. As such, homeowners insurance prices are significantly higher than the TX state average as residents of Galveston take the brunt of the damage when weather events occur. Premiums for home coverage average $2,384 per year or $199 each month.

Other Expensive Cities for Homeowners Insurance

#9 - Houston - $2,245

#12 - Sugar Land - $2,164

#83 - Wichita Falls - $1,812

#85 - Amarillo - $1,808

Average Cost of Homeowners Insurance in Texas: by City

Here is a list of the 275 cities we looked at throughout Texas. They are ranked from the cheapest annual premium to the most expensive:

Rank

City

Average Annual Premium

1

El Paso

$824

2

Round Rock

$919

3

San Marcos

$963

4

Taylor

$987

5

College Station

$1,018

6

Seguin

$1,025

7

Killeen

$1,032

8

Austin

$1,036

9

Fredericksburg

$1,041

10

Lockhart

$1,055

11

Gatesville

$1,057

12

Bastrop

$1,065

13

Lampasas

$1,082

14

Burnet

$1,085

15

Floresville

$1,085

16

Laredo

$1,117

17

Kerrville

$1,128

18

Brenham

$1,133

19

Giddings

$1,133

20

Gonzales

$1,133

21

Llano

$1,148

22

San Antonio

$1,152

23

Marlin

$1,156

24

Pleasanton

$1,162

25

Caldwell

$1,163

26

Eagle Pass

$1,166

27

San Saba

$1,169

28

Del Rio

$1,190

29

Hearne

$1,193

30

Rockdale

$1,195

31

Carrizo Springs

$1,198

32

Mason

$1,200

33

Junction

$1,207

34

La Grange

$1,207

35

Longview

$1,207

36

Blanco

$1,225

37

Menard

$1,227

38

Uvalde

$1,228

39

Hondo

$1,235

40

Brackettville

$1,269

41

Tyler

$1,269

42

Nacogdoches

$1,273

43

Kenedy

$1,279

44

Crystal City

$1,280

45

Cuero

$1,287

46

Pearsall

$1,289

47

Yoakum

$1,293

48

Waxahachie

$1,300

49

Columbus

$1,300

50

Lufkin

$1,301

51

Bellville

$1,302

52

Bandera

$1,318

53

Center

$1,332

54

Henderson

$1,335

55

Waco

$1,342

56

Plano

$1,345

57

Carthage

$1,349

58

Cotulla

$1,352

59

Mexia

$1,354

60

Rio Grande City

$1,359

61

Rocksprings

$1,359

62

Huntsville

$1,363

63

Hallettsville

$1,365

64

Diboll

$1,367

65

Lewisville

$1,367

66

Navasota

$1,377

67

Athens

$1,390

68

Palestine

$1,395

69

Freer

$1,395

70

Denton

$1,397

71

Sealy

$1,397

72

Corsicana

$1,399

73

Pecos

$1,404

74

Fairfield

$1,407

75

Mckinney

$1,416

76

Alpine

$1,423

77

Fort Stockton

$1,423

78

Rockwall

$1,440

79

Crockett

$1,440

80

Presidio

$1,446

81

Buffalo

$1,449

82

Hemphill

$1,459

83

Jacksonville

$1,460

84

Hewitt

$1,468

85

Livingston

$1,469

86

Farmersville

$1,482

87

Conroe

$1,485

88

Madisonville

$1,486

89

Trinity

$1,494

90

Eldorado

$1,497

91

San Augustine

$1,498

92

Jasper

$1,511

93

Cleburne

$1,516

94

Van Horn

$1,518

95

Abilene

$1,532

96

Paris

$1,532

97

Sonora

$1,532

98

Mount Pleasant

$1,543

99

Carrollton

$1,564

100

Canton

$1,565

101

Quitman

$1,569

102

Woodville

$1,573

103

Leakey

$1,578

104

Kaufman

$1,578

105

Harlingen

$1,584

106

Sherman

$1,585

107

Brownwood

$1,588

108

Clifton

$1,594

109

Hempstead

$1,596

110

Stephenville

$1,597

111

Sulphur Springs

$1,599

112

Granbury

$1,600

113

Lubbock

$1,601

114

Texarkana

$1,605

115

Greenville

$1,605

116

Marshall

$1,605

117

Cooper

$1,606

118

Brady

$1,606

119

Comanche

$1,618

120

Brownsville

$1,620

121

Coleman

$1,621

122

Levelland

$1,621

123

Seminole

$1,624

124

Gilmer

$1,624

125

Odessa

$1,630

126

Dallas

$1,634

127

Eden

$1,638

128

Goldthwaite

$1,643

129

Desoto

$1,646

130

San Benito

$1,654

131

Ballinger

$1,654

132

Hamilton

$1,656

133

Brownfield

$1,660

134

Shepherd

$1,661

135

Clarksville

$1,661

136

Morton

$1,668

137

Monahans

$1,668

138

San Angelo

$1,672

139

Weatherford

$1,672

140

Beaumont

$1,672

141

Clyde

$1,673

142

Lamesa

$1,675

143

Plainview

$1,679

144

Emory

$1,681

145

Raymondville

$1,682

146

Pearland

$1,683

147

Gainesville

$1,684

148

Cisco

$1,687

149

Andrews

$1,689

150

Corrigan

$1,693

151

Newton

$1,695

152

Floydada

$1,698

153

Dimmitt

$1,700

154

Hereford

$1,706

155

Midland

$1,707

156

Atlanta

$1,710

157

Jefferson

$1,711

158

Mount Vernon

$1,715

159

Friona

$1,717

160

Bonham

$1,717

161

Kingsville

$1,724

162

Nederland

$1,725

163

Grand Prairie

$1,731

164

Post

$1,738

165

Kermit

$1,738

166

Littlefield

$1,747

167

Big Spring

$1,747

168

Spur

$1,750

169

Fort Worth

$1,751

170

Denver City

$1,753

171

Pittsburg

$1,754

172

Muleshoe

$1,756

173

Dublin

$1,758

174

Daingerfield

$1,763

175

Whitney

$1,765

176

Sweetwater

$1,766

177

Bowie

$1,766

178

Anderson

$1,772

179

Baytown

$1,774

180

Lake Jackson

$1,774

181

Glen Rose

$1,777

182

Paducah

$1,783

183

Angleton

$1,786

184

Ralls

$1,794

185

Tulia

$1,796

186

Snyder

$1,798

187

North Richland Hills

$1,799

188

Alvin

$1,803

189

Graham

$1,806

190

Refugio

$1,806

191

Amarillo

$1,808

192

Tahoka

$1,811

193

Wichita Falls

$1,812

194

Decatur

$1,812

195

Big Lake

$1,818

196

Memphis

$1,819

197

Spearman

$1,822

198

Childress

$1,824

199

Sinton

$1,827

200

Crane

$1,830

201

Santa Fe

$1,832

202

Port Arthur

$1,834

203

Matador

$1,834

204

Mineral Wells

$1,837

205

Dalhart

$1,838

206

Mission

$1,841

207

Breckenridge

$1,845

208

Silverton

$1,849

209

Bay City

$1,850

210

Borger

$1,856

211

Dumas

$1,859

212

Pampa

$1,864

213

La Marque

$1,866

214

Rotan

$1,868

215

Freeport

$1,874

216

Vernon

$1,876

217

Jacksboro

$1,876

218

Stanton

$1,883

219

Aspermont

$1,888

220

Colorado City

$1,889

221

Sterling City

$1,890

222

Robert Lee

$1,906

223

Clute

$1,908

224

Perryton

$1,908

225

Shamrock

$1,912

226

Haskell

$1,918

227

Port Lavaca

$1,932

228

Three Rivers

$1,950

229

Texas City

$1,961

230

Albany

$1,965

231

Beeville

$1,972

232

Wellington

$1,973

233

Alice

$1,984

234

Seymour

$1,988

235

Portland

$1,990

236

Quanah

$1,997

237

Panhandle

$2,000

238

Stratford

$2,004

239

Dickinson

$2,006

240

Katy

$2,020

241

Miami

$2,023

242

Falfurrias

$2,027

243

Munday

$2,027

244

Anson

$2,030

245

Henrietta

$2,033

246

Canadian

$2,035

247

Mercedes

$2,040

248

Claude

$2,041

249

Bayside

$2,041

250

Clarendon

$2,051

251

Vega

$2,055

252

Crowell

$2,058

253

Throckmorton

$2,059

254

Holliday

$2,060

255

Aransas Pass

$2,070

256

Booker

$2,070

257

La Porte

$2,075

258

Victoria

$2,112

259

Palacios

$2,118

260

Rockport

$2,121

261

Goliad

$2,146

262

Jayton

$2,156

263

Silsbee

$2,164

264

Sugar Land

$2,164

265

Edna

$2,211

266

Mertzon

$2,215

267

Houston

$2,245

268

Orange

$2,246

269

Liberty

$2,283

270

Robstown

$2,292

271

El Campo

$2,298

272

Missouri City

$2,312

273

Galveston

$2,384

274

Corpus Christi

$2,509

275

Needville

$2,569

Study Methodology

Rates are based on a one year policy term. The hypothetical home is a 10 year old home with brick veneer and is covered up to $150,000. The homeowner has no claims history and above average credit. The annual premium for each city was taken by averaging the rates offered by the 28 companies we looked at as part of the study.

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